Georgia’s Own Credit Union

This is a financial institution offering SBA loan programs and small business financing solutions, helping entrepreneurs access capital for growth and operational needs.

It's recommended to schedule an appointment to ensure dedicated assistance, but walk-ins may be accommodated depending on availability.

Georgia's Own Credit Union Midtown is open Monday-Thursday 9:00 am to 4:00 pm and Friday 9:00 am to 5:30 pm. Please confirm current hours directly with the location at (800) 533-2062.

There are no fees to access the services; however, loan-specific fees such as guarantee or closing costs may apply.

This institution primarily serves members and small business owners within its regional area, with eligibility criteria based on membership and business qualifications.

A minimum personal credit score of around 650 is generally required, but specific requirements can vary depending on the loan and borrower profile.

The underwriting process typically takes between 2 to 4 weeks, depending on the complexity of the loan and completeness of the application.

Most credit unions keep weekday business hours and are closed on weekends, and Georgia’s Own Credit Union typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call Georgia’s Own Credit Union to confirm current weekend availability before you go.

Georgia’s Own Credit Union is located at the address listed on this page — see the contact card for the full address. Most credit union locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Georgia’s Own Credit Union, an SBA-participating credit union. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Georgia’s Own Credit Union itself, which runs its own lending under its own ownership. If you work at Georgia’s Own Credit Union, you can claim this listing from this page to manage it.

The core details for Georgia’s Own Credit Union — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Georgia’s Own Credit Union before applying. If you represent Georgia’s Own Credit Union, claim this listing to keep its information up to date.

For business and SBA lending inquiries, contact a business expert at https://www.georgiasown.org/business/contact-a-business-expert, or reach the main line at (800) 533-2062.

Like most SBA lenders, Georgia’s Own Credit Union can finance a broad range of small businesses — common categories include professional services, healthcare practices, restaurants and franchises, retail, light manufacturing, and commercial real estate. Each credit union sets its own industry preferences and may avoid sectors it considers higher risk. Ask Georgia’s Own Credit Union directly which industries it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Georgia’s Own Credit Union participates in SBA Express depends on its specific SBA lending authority. Contact Georgia’s Own Credit Union and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established credit unions hold PLP status, but it varies by institution. Georgia’s Own Credit Union can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Georgia’s Own Credit Union's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Georgia’s Own Credit Union directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Georgia’s Own Credit Union what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Georgia’s Own Credit Union to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Georgia’s Own Credit Union to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Georgia’s Own Credit Union weighs this case by case under its own policy, so be upfront about your history and ask Georgia’s Own Credit Union how it evaluates prior bankruptcies.